4939 Oak Point Rd, Lorain, OH 44053 Property Records

Lorain County property record for 4939 Oak Point Rd, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,789 sqft · built 1996
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Owner Names on Record
Tax Bill	$5,455 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-03-005-105-017`

Property Details

APN / Parcel Number

Primary APN	`02-03-005-105-017`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,789 sqft Living Area
1st Floor Area	1,816 sqft
2nd Floor Area	1,094 sqft
Upper Floors Area	973 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	44,867 sqft (1.03 acres)
Lot Dimensions	449 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1,056 sqft
Porch	Open Porch
Porch Area	228 sqft
Deck Area	1,000 sqft
Patio Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4939 OAK POINT RD
City	LORAIN
State	OH
Zip	44053-1937
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK HILL SUB 3 100 X 455.65 S/L 34
Legal Subdivision	OAK HILL SUBDIVISION #3
Legal Tract	3
Legal Block	105
Legal Lot Number	34
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	2
Census Block	2013
Census Tract	97201

Owner

Source: Lorain County records, as of March 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Owner Names on Record
Mailing Address	4939 OAK POINT RD, LORAIN, OH 44053-1937
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Apr 22, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Dec 13, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Feb 18, 2005
Last Transfer Date	Mar 17, 2005
Transfer Doc	0000061547
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	4939 OAK POINT RD, LORAIN, OH 44053-1937
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000872232
Date	Apr 22, 2022
Instrument	2022-0872232

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	117 Months
Due	Jan 1, 2032

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	4939 OAK POINT RD, LORAIN, OH 44053-1937
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4939 OAK POINT RD, LORAIN, OH 44053-1937

Mortgage

Document Number	0000872233
Date	Apr 22, 2022
Instrument	2022-0872233

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	356 Months
Due	Dec 25, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	4939 OAK POINT RD, LORAIN, OH 44053-1937
Document Number	0000742929
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	THIRD CAPITAL TITLE NEO, THIRD CAP TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4939 OAK POINT RD LORAIN OH 440531937, LORAIN, OH 44053-1937

Mortgage

Document Number	0000742929
Date	Dec 20, 2019
Instrument	742929

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
Municipality	Lorain City
Unified School District	Amherst Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,455.00	$129,000 (-) Land $24,600 Building $104,400	$368,570 (-) Land $70,290 Building $298,280
2024	$5,455.00 (+9.91%)	$129,000 (+28.25%) Land $24,602 Building $104,398	$368,570 (+28.25%) Land $70,290 Building $298,280
2023	$4,963.00 (-1.31%)	$100,587 (+0.01%) Land $11,834 Building $88,753	$287,390 (-) Land $33,810 Building $253,580
2022	$5,029.00	$100,580 Land $11,830 Building $88,750
2021			$287,390 Land $33,810 Building $253,580

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LORAIN CITY PWS serves 64,152 people · EPA ID OH4700711
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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